Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$21,388Cash toward the purchase price.
Closing costs + prepaids$10,968Not just lender fees.
Before credits & paid funds$32,356The complete starting cash picture.
Estimated remaining funds due at closing
$32,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,388.34
Your down payment$21,388.34
Closing costs + prepaids$10,967.83
Total buyer cash needed$32,356.17
Remaining funds due$32,356.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,045.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$380.75
Prepaid interest, first (17 days)$908.52
Fees + prepaids$10,967.83
Your down payment is the seller’s equity. You take over the $283,112 balance, so the rest of the $304,500 price is paid at closing. A second mortgage can cover part of it. $32,356.17 is due at closing. Uses and sources reconcile at $315,467.83 each. Not a Closing Disclosure.